Posted On: March 15, 2006, 7:16 pm CST

Posted By: Mark W. Kinsey CRA

Well Stephanie you assume that the contractors who need this endorsement (which is all of them) one are willing to pay for it and two that it is available in every state. You would be wrong on the first and second assumption. NOT ALL INSURANCE COMPANIES HAVE STATE FILINGS FOR ALL OF THE ISO ENDORSEMENTS. Big point here is that if its not absolutely necessary why would they file a form which is outdated due to legislative changes in a particular state and have the additional liability for paying out claims if you don't have too. Yes you can get it in the E&S Market BUT in PA to offer an E&S over a standard company is dicey at best and down right illegal. NOT ALL THINGS ARE AS EASY AS THEY SEEM. Now if you want to write small contractors (defined as 50K in premium and below) you ain't getting the CG2010 1185 form in PA. If on the other hand you want to write the 100K + accounts, well that's a different story. It's not fair to all but fair to all that can pay to play. It insurance for goodness sake did you expect it to make sense?